645 Nichols St, Fall River, MA 02720 Property Records

Bristol County and Fall River City property record for 645 Nichols St, Fall River, MA 02720

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,764 sqft · built 1966
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (May 2020)
Tax Bill	$5,299 (2025)
Deeds & Mortgages	Jan 2024 Refinance May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`FALL M:0R-17 B:0000 L:0008`

Property Details

APN / Parcel Number

Primary APN	`FALL M:0R-17 B:0000 L:0008`
Alternative APN	`M:0R=17 B:0000 L:0008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,764 sqft Living Area
Gross Area	2,586 sqft
Basement Area	1,008 sqft
Unfinished Basement	252 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,500 sqft (0.264 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	645 NICHOLS ST
City	FALL RIVER
State	MA
Zip	02720-7321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S
Legal Lot Number	8
Jurisdiction	FALL RIVER MA
Township / Civil Division	FALL RIVER
Census Block Group	1
Census Block	1001
Census Tract	642500

Owner

Source: Bristol County and Fall River City records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	645 NICHOLS ST, FALL RIVER, MA 02720-7321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ALLIED FIRST BANK SB
May 15, 2020	Quit Claim Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Feb 4, 2020	Quit Claim Deed, Transfer GALILEE PROPS
Apr 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2020 · Amount on Record
Deed Sale	May 15, 2020 · Amount on Record
Prior Sale	Feb 4, 2020 · Amount on Record
Deed Document Number	20208124
Deed Book / Page	10104 / 319
Prior Transfer Date	May 14, 2020
Prior Transfer Doc	10104-319
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Property Address	645 NICHOLS ST, FALL RIVER, MA 02720-7321
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	011444-312
Date	Jan 11, 2024
Book Page	11444/312
Instrument	202400000447

Lender

Name	ALLIED FIRST BANK SB

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	May 15, 2020
Property Address	645 NICHOLS ST, FALL RIVER, MA 02720-7321
Document Number	10104-319
Book / Page	10104 / 319
Instrument Date	May 14, 2020
Instrument	8124
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 NICHOLS ST, FALL RIVER, MA 02720-7321

Mortgage

Document Number	8125
Date	May 15, 2020
Instrument	8125

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	Feb 4, 2020
Property Address	645 NICHOLS ST, FALL RIVER, MA 02720-7321
Document Number	10010-126
Book / Page	010010 / 000126
Instrument Date	Feb 4, 2020
Instrument	58
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$912.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	298 OAKLAND ST FALL RIVER MA 027206233, FALL RIVER, MA 02720-6233

Mortgage

Document Number	10010-128
Date	Feb 4, 2020
Book Page	010010/000128
Instrument	59

Lender

Name	GALILEE PROPS

Agreement

Amount	Amount Recorded

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Property Address	645 NICHOLS ST, FALL RIVER, MA 02720-7321
Document Number	9227-102
Book / Page	009227 / 000102
Instrument Date	Apr 24, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9227-102
Date	Apr 25, 2017
Book Page	009227/000102
Instrument	6637

Lender

Name	SOUTHERN MA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.13%

Tax Assessment & Valuation

Source: Bristol County and Fall River City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Bristol County
Municipality	Fall River City
Unified School District	Fall River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,299.00 (+13.35%)	$462,800 (+13.74%) Land $115,000 Building $347,800	$473,385 (+5.59%)
2024	$4,675.00 (+4.24%)	$406,900 (+11.33%) Land $110,500 Building $296,400	$448,305
2023	$4,485.00	$365,500 Land $103,700 Building $261,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 22, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FALL RIVER WATER DEPARTMENT serves 94,000 people · EPA ID MA4095000
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	12 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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